Is there any way I can get a loan. I've had a part time job for 6 months and a per diem job for a year.

The part time income won't work unless you have had it ongoing (uninterrupted) for 2 years so that is out. I'm not sure what you mean by a "per diem" job...Are you saying that they basically use you as needed and pay you when they need you? No guaranteed hours or schedule? If so, that will not fly either. To qualify for a mortgage you need to have reliable, stable employment with the expectation that it will continue and they usually want you to have at least 2 years of it at the same job or at least in the same industy or line of work. Sorry, but your income situation as stated here is not going to be enough to secure a mortgage loan.

If you have a large enough down payment, (30% to 50%) then there are hard money lenders out there that will approve you regardless of your credit score, but if you're trying to get any type of conforming, conventional financing, neither of your jobs would be allowable sources of income... the guidelines state that your job has to show it's likely to continue for 2 years.. if you have a part time job for 2 years, then you can prove it would last 2 years since it already has, so that would be acceptable if you had it for 2 years, but not for 6 months.. and as far as a per diem job, most lenders will look at that like a day labor job.. and would disallow it since most of those places will pay you with a 1099 rather than a w2, so your considered self employed, and self employed borrowers have to show 2 years tax returns to support their income... you could however get a co signer.. co signers will not help if you have bad credit, but they are ideal if you have limited income.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

No, in order to use income from a part time job most lenders will need a 2 year history.

I doubt it.

It may be possible if we are able to consider the part time job your primary income source. The per deim job probably can't be counted yet, I assume you will be given a 1099 for that income? However, the question will be whether you will qualify for the new mortgage plus any other debt using just the part time income.

There are other factors that will come into play in addition to your employment - like your credit score and the amount you have for a down payment. Based on your job however, a part time job for six months is not enough to qualify. Lenders look for buyers that held a steady job at the same employer for at least two years. You will also need to consider if the income that you make from your part time job be enough to pay for a monthly mortgage payment as well as any other monthly expenses you already have.

The rules for counting income from a 2nd job are tough. Normally the requirement is to show that you have a history of working two jobs AND have had the 2nd job for 2 years continuously; 6 months probably wouldn't be eough. Both sources of income would need to be fully documented. I'd really want to see the full picture before making a preliminary assessment. It also depends on the overall picture an ddetails make a difference: how much you are putting as a downpayment, your credit score and profile, amount of reserves, DTI, etc.

Both your part time job and your per diem job are not considered permanent positions, so the rules dictate that you have to have them for 2 years to be able to use the income.. Even if you had them both for the 2 years, it would still be an underwriters call as to whether or not the would allow both temporary jobs as stable income.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com